{"id":5217,"date":"2020-02-18T07:19:00","date_gmt":"2020-02-18T15:19:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5217"},"modified":"2020-02-10T12:24:50","modified_gmt":"2020-02-10T20:24:50","slug":"%e5%b7%9e%e3%81%ab%e3%82%88%e3%82%8bira%e8%87%aa%e5%8b%95%e7%a9%8d%e7%ab%8b%e3%83%97%e3%83%ad%e3%82%b0%e3%83%a9%e3%83%a0%e3%81%ab%e3%81%a4%e3%81%84%e3%81%a6","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e5%b7%9e%e3%81%ab%e3%82%88%e3%82%8bira%e8%87%aa%e5%8b%95%e7%a9%8d%e7%ab%8b%e3%83%97%e3%83%ad%e3%82%b0%e3%83%a9%e3%83%a0%e3%81%ab%e3%81%a4%e3%81%84%e3%81%a6\/","title":{"rendered":"\u5dde\u306b\u3088\u308bIRA\u81ea\u52d5\u7a4d\u7acb\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u3064\u3044\u3066"},"content":{"rendered":"\n

\u6bd4\u8f03\u7684\u5927\u304d\u306a\u4f1a\u793e\u3084\u7d44\u7e54\u3067\u50cd\u3044\u3066\u3044\u308b\u4eba\u306f\u3001401(k)\u3084403(b)\u306a\u3069\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u63d0\u4f9b\u3092\u53d7\u3051\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u7acb\u304c\u3067\u304d\u308b\u3068\u540c\u6642\u306b\u3001Employer match\u306e\u6069\u6075\u3082\u3042\u308a\u3001\u5e74\u9593\u3067\u304b\u306a\u308a\u307e\u3068\u307e\u3063\u305f\u984d\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u6e96\u5099\u306b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u52b4\u50cd\u4eba\u53e3\u306e\u534a\u5206\u304f\u3089\u3044\u306f\u3001\u8077\u5834\u3067\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u63d0\u4f9b\u304c\u306a\u304f\u3001\u8cc7\u91d1\u6e96\u5099\u304c\u5927\u304d\u304f\u9045\u308c\u3066\u3044\u308b\u3068\u3044\u3046\u554f\u984c\u304c\u3042\u308a\u307e\u3059\u3002\u524d\u56de\u3054\u7d39\u4ecb\u3057\u305f\u3001SECURE ACT\u3082\u3053\u306e\u554f\u984c\u3092\u8efd\u6e1b\u3059\u3079\u304f\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u63d0\u4f9b\u3092\u4fc3\u9032\u3059\u308b\u3053\u3068\u3092\u72d9\u3063\u305f\u3082\u306e\u3067\u3059\u304c\u3001\u3053\u306e\u9023\u90a6\u653f\u5e9c\u3067\u306e\u52d5\u304d\u3068\u306f\u5225\u306b\u3001\u5404\u5dde\u653f\u5e9c\u304c\u3053\u306e\u554f\u984c\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u3002State-run IRA\uff08\u5dde\u304c\u904b\u55b6\u3059\u308bIRA)\u306a\u3069\u3068\u3044\u3046\u7dcf\u79f0\u3067\u547c\u3070\u308c\u308b\u3053\u3068\u304c\u591a\u3044\u3053\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3001\u52b4\u50cd\u8005\u3068\u3057\u3066\u306f\u4f55\u3092\u77e5\u3063\u3066\u304a\u304b\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u304b\u306b\u3064\u3044\u3066\u8003\u3048\u307e\u3059\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

State-run\nIRA\u3063\u3066\uff1f<\/h2>\n\n\n\n

State-run\nIRA\u306f\u5dde\u304c\u904b\u55b6\u3059\u308bIRA\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3001\u5dde\u5185\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u96c7\u7528\u4e3b\u306b\u5bfe\u3057\u3001\u52b4\u50cd\u8005\u3078\u306e\u30d7\u30e9\u30f3\u63d0\u4f9b\u3092\u7fa9\u52d9\u4ed8\u3051\u308b\u3082\u306e\u3067\u3059\u3002\u4ed6\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3(401(k)\u3084Simple IRA\u3084SEP IRA\u306a\u3069)\u3092\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u306e\u306a\u3089\u3001\u96c7\u7528\u4e3b\u306f\u3053\u306eState-run IRA\u3092\u63d0\u4f9b\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u7fa9\u52d9\u304c\u3042\u308a\u307e\u3059\u3002\u591a\u304f\u306e\u5834\u5408\u3001Automatic\nEnrollment\u3067\u3001\u52b4\u50cd\u8005\u304cOpt Out\u3057\u306a\u3044\u9650\u308a\u3001\u7d66\u6599\u306e\u4e00\u5b9a\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u304c\u81ea\u52d5\u7684\u306b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

2017\u5e74\u306b\u3001\u6700\u521d\u306b\u3053\u306eState-run IRA\u3092\u958b\u59cb\u3057\u305f\u306e\u306f\u30aa\u30ec\u30b4\u30f3\u5dde\u3067\u3001OregonSaves\u3068\u3044\u3046\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3057\u305f\u3002\u6b21\u306b\u30a4\u30ea\u30ce\u30a4\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u304c\u7d9a\u304d\u307e\u3057\u305f\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u63d0\u4f9b\u306e\u306a\u3044\u96c7\u7528\u4e3b\u306b\u52e4\u3081\u308b\u4eba\u3005\u306b\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u304c\u4f7f\u3048\u308b\u3088\u3046\u306b\u3059\u308b\u30fb\u30fb\u30fb\u3068\u805e\u3053\u3048\u306f\u3044\u3044\u306e\u3067\u3059\u304c\u3001\u3053\u308c\u3089\u306e\u30d7\u30e9\u30f3\u306f\u3001\u57fa\u672c\u7684\u306f\u3082\u3046\u3059\u3067\u306b\u500b\u4eba\u306b\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308bIRA\u3067\u3042\u308b\u3053\u3068\u3001\u30d7\u30ed\u30b0\u30e9\u30e0\u306e\u624b\u6570\u6599\u304c\u5341\u5206\u4f4e\u304f\u306a\u3044\u3053\u3068\u3001\u5dde\u304c\u308f\u3056\u308f\u3056\u3057\u3083\u3057\u3083\u308a\u51fa\u3066\u304d\u3066\u6cd5\u5f8b\u3067\u3057\u3070\u3089\u306a\u304f\u3066\u3082\u3044\u3044\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u3044\u3046\u3053\u3068\u30fb\u30fb\u306a\u3069\u306a\u3069\u306e\u8af8\u7406\u7531\u304b\u3089\u3001\u5c0e\u5165\u306f\u30b9\u30e0\u30fc\u30ba\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u5b9f\u969b\u3001\u30aa\u30ec\u30b4\u30f3\u3068\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306e\u30d7\u30e9\u30f3\u306b\u5bfe\u3057\u3066\u306f\u8a34\u8a1f\u304c\u8d77\u3053\u3055\u308c\u3001\u7d50\u5c40\u306f\u30aa\u30ec\u30b4\u30f3\u306e\u30b1\u30fc\u30b9\u306f\u53d6\u308a\u4e0b\u3052\u3089\u308c\u307e\u3057\u305f\u304c\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306f\u30d7\u30e9\u30f3\u5074\u304c\u52dd\u8a34\u3057\u30012019\u5e74\u534a\u3070\u306b\u30b9\u30bf\u30fc\u30c8\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u30b3\u30cd\u30c1\u30ab\u30c3\u30c8\u3001\u30e1\u30ea\u30fc\u30e9\u30f3\u30c9\u3001\u30cb\u30e5\u30fc\u30b8\u30e3\u30fc\u30b8\u30fc\u3082\u5f8c\u3092\u8ffd\u3044\u4f3c\u305f\u3088\u3046\u306a\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u5c0e\u5165\u3001\u30ef\u30b7\u30f3\u30c8\u30f3\u5dde\u306f\u5c11\u3057\u6027\u8cea\u304c\u9055\u3063\u3066\u3001\u3072\u3068\u3064\u306e\u30d7\u30e9\u30f3\u3092\u5168\u54e1\u306b\u7fa9\u52d9\u4ed8\u3051\u308b\u4ee3\u308f\u308a\u306b\u3001Market Place\u3000Site\uff08\u30aa\u30d0\u30de\u30b1\u30a2\u306eHealthcare Marketplace\u306b\u4f3c\u305f\u3088\u3046\u306a\u3082\u306e\u3089\u3057\u3044\uff09\u3092\u7528\u610f\u3057\u3001\u305d\u3053\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u8907\u6570\u306e\u30d7\u30e9\u30f3\u304b\u3089\u3082\u3063\u3068\u3082\u81ea\u793e\u306b\u3042\u3063\u305f\u3082\u306e\u3092\u9078\u3076\u3068\u3044\u3046\u3088\u3046\u306a\u30b7\u30b9\u30c6\u30e0\u306e\u3088\u3046\u3067\u3059\u3002<\/p>\n\n\n\n

<\/div>\n\n\n\n

State-run\nIRA\u3092\u77e5\u308b<\/h2>\n\n\n\n

\u5404\u5dde\u3054\u3068\u306b\u30d7\u30e9\u30f3\u8a2d\u5b9a\u3092\u3059\u308b\u306e\u3067\u3001\u5185\u5bb9\u306f\u307e\u3061\u307e\u3061\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u306eState-run IRA\u3001\u4e00\u822c\u7684\u306b\u4e0b\u306e\u3088\u3046\u306a\u6027\u683c\u3092\u6301\u3061\u5408\u308f\u305b\u3066\u3044\u308b\u3068\u3044\u3046\u90e8\u5206\u3067\u5171\u901a\u70b9\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u9805\u76ee\u3054\u3068\u306b\u8003\u616e\u70b9\u3092\u66f8\u304d\u5165\u308c\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n\n\n\n

  • \u591a\u304f\u306e\u5834\u5408\u3001\u7a4d\u307f\u7acb\u3066\u305f\u304a\u91d1\u306fRoth IRA\u306b\u5165\u308b<\/strong><\/li>
  • \u52b4\u50cd\u8005\u304c\u81ea\u5206\u3067Opt out\u3057\u306a\u3044\u9650\u308a\u3001\u81ea\u52d5\u30d7\u30e9\u30f3\u53c2\u52a0\uff08Automatic Enrollment)\u3059\u308b<\/strong><\/li>
  • \u30c7\u30d5\u30a9\u30eb\u30c8\u306e\u7a4d\u7acb\u7387\u306f\u53ce\u5165\u306e\uff13\uff5e\uff15\uff05\u7a0b\u5ea6<\/strong><\/li><\/ul>\n\n\n\n

    State-run IRA\u3068\u3044\u3046\u7dcf\u79f0\u3067\u547c\u3070\u308c\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u3067\u306fCalsavers\u3001\u30aa\u30ec\u30b4\u30f3\u3067\u306fOregonSaves\u3068\u3044\u3046\u56fa\u6709\u306e\u540d\u524d\u304c\u3064\u3044\u3066\u3044\u307e\u3059\u304c\u3001\u30d9\u30fc\u30b9\u306e\u3057\u304f\u307f\u306fIRA\uff08Individual Retirement Account)\u3067\u3042\u308a\u3001\u3053\u308c\u306f1974\u5e74\u304b\u3089\u305a\u3063\u3068\u5b58\u5728\u3057\u305f\u6a29\u5229\u3067\u3059\u3002\u52b4\u50cd\u8005\u306f\u3001\u3053\u306e\u65b0\u3057\u304f\u3067\u304d\u305fState-run IRA\u306b\u308f\u3056\u308f\u3056\u52a0\u5165\u3057\u306a\u304f\u3068\u3082\u3001\u81ea\u5206\u304c\u9078\u3076\u91d1\u878d\u6a5f\u95a2\u3067IRA\u3092\u958b\u304f\u3053\u3068\u306f\u3082\u3046\u9577\u5e74\u53ef\u80fd\u3067\u3042\u308a\u3001\u591a\u304f\u306e\u4eba\u304c\u305d\u306e\u6a29\u5229\u3092\u4f7f\u3063\u3066\u3044\u307e\u3059\u3002State-run IRA\u306f\u3001\u3053\u306e\u4ee5\u524d\u304b\u3089\u3042\u3063\u305fIRA\u306e\u4ed5\u7d44\u307f\u306e\u4e0a\u306b\u3001\u7d66\u6599\u5929\u5f15\u304d\u306e\u81ea\u52d5\u7a4d\u7acb\u6a5f\u80fd\u3092\u3064\u3051\u3066\u540d\u524d\u3092\u5909\u3048\u3066\u63d0\u4f9b\u3057\u305f\u3082\u306e\u3067\u3059\u3002<\/p>\n\n\n\n

    \u7d66\u6599\u5929\u5f15\u304d\u3068\u3044\u3046\u3068\u805e\u3053\u3048\u306f\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u305d\u308c\u81ea\u4f53\u306f\u5927\u304d\u306a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306f\u306a\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u3057\u304f\u307f\u3092\u308f\u3056\u308f\u3056\u4f7f\u308f\u306a\u304f\u3068\u3082\u3001\u305f\u3068\u3048\u3070Vanguard\u3067IRA\u3092\u958b\u304d\u3001\u9280\u884c\u53e3\u5ea7\u3068\u9023\u7d50\u3057\u3066\u6708\u3005\u3007\u30c9\u30eb\u3092\u81ea\u52d5\u7a4d\u7acb\u3059\u308b\u3088\u3046\u306b\u8a2d\u5b9a\u3059\u308b\u3053\u3068\u306f\u6c7a\u3057\u3066\u96e3\u3057\u3044\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

    \u306a\u304a\u3001State-run IRA\u306f\u3001\u591a\u304f\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3067Roth IRA\u53e3\u5ea7\u3092\u4f7f\u3063\u3066\u3044\u307e\u3059\u3002IRA\u306b\u306f2\u7a2e\u985e\u3042\u308a\u3001Traditional\nIRA\u3068Roth\u3000IRA\u3067\u3059\u3002Traditional\nIRA\u306f\u7a4d\u7acb\u984d\u304c\u6240\u5f97\u7a0e\u63a7\u9664\u306b\u306a\u308a\u307e\u3059\u304c\u5c06\u6765\u7684\u306b\u5f15\u304d\u51fa\u3057\u6642\u306b\u6240\u5f97\u7a0e\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u65b9\u3067Roth IRA\u306f\u3001\u73fe\u5728\u6240\u5f97\u7a0e\u3092\u6255\u3063\u3066\u5c06\u6765\u7684\u306b\u306f\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 State-run IRA\u306f\u4e2d\u5c0f\u4e8b\u696d\u4e3b\u306e\u96c7\u7528\u8005\u304c\u591a\u304f\u3001\u6bd4\u8f03\u7684\u4e2d\u4f4e\u6240\u5f97\u5c64\u304c\u591a\u3044\u3068\u601d\u308f\u308c\u308b\u3053\u3068\u304b\u3089\u3001\u5148\u306b\u4f4e\u3081\u306e\u6240\u5f97\u7a0e\u3092\u7d0d\u3081\u3066\u3057\u307e\u3046Roth\nIRA\u3092\u9078\u3093\u3067\u3044\u308b\u304b\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u307e\u305fRoth IRA\u306f\u304a\u91d1\u304c\u5fc5\u8981\u306b\u306a\u308c\u3070\u3001\u5143\u91d1\u306f\u3044\u3064\u3067\u3082\u30da\u30ca\u30eb\u30c6\u30a3\u306a\u3057\u3067\u5f15\u304d\u51fa\u305b\u308b\u3068\u3044\u3046\u7279\u5fb4\u3082\u3042\u308a\u3001\u3082\u3057\u3082\u306e\u3068\u304d\u306b\u306f\u983c\u308a\u306b\u306a\u308b\u3068\u3044\u3046\u5074\u9762\u3082\u3042\u308a\u307e\u3059\u3002\u3082\u3057\u3082\u6562\u3048\u3066Traditional\nIRA\u306b\u5165\u308c\u305f\u3044\u3068\u3044\u3046\u3088\u3046\u306a\u5834\u5408\u306f\u3001State-run IRA\u306fOpt\nout\u3057\u3001\u81ea\u5206\u3067Traditional IRA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

    \u307e\u305f\u3001\u4e0a\u306e\u3088\u3046\u306b\u81ea\u5206\u3067IRA\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u500b\u4eba\u3067\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308b\u3082\u306e\u3068State-run IRA\u5229\u7528\u306e\u7a4d\u7acb\u984d\u306f\u30c8\u30fc\u30bf\u30eb\u3055\u308c\u3001\u7a4d\u307f\u7acb\u3066\u9650\u5ea6\u984d\u304c\u9069\u7528\u3055\u308c\u307e\u3059\uff08\u30c8\u30fc\u30bf\u30eb\u3067$6,000\u307e\u3067\uff082020\u5e74\uff09\uff09\u3002\u3075\u305f\u3064\u30d0\u30e9\u30d0\u30e9\u6301\u3064\u3088\u308a\u306f\u3001State-run IRA\u306e\u307b\u3046\u306f\u5b8c\u5168\u306bOpt out\u3057\u3066\u3057\u307e\u3044\u3001\u81ea\u5206\u3067\u9078\u3093\u3067\u3044\u308bIRA\u306b\u30d5\u30a9\u30fc\u30ab\u30b9\u3059\u308b\u65b9\u304c\u3044\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

    <\/div>\n\n\n\n
    • Employer Contribution\u306f\u4e0d\u53ef\uff08Employer Match\u304c\u306a\u3044\uff09<\/strong><\/li><\/ul>\n\n\n\n

      \u30d9\u30fc\u30b9\u304c\u3042\u304f\u307e\u3067IRA\uff08Individual\u53e3\u5ea7\uff09\u306a\u306e\u3067\u3001401(k)\u306e\u3088\u3046\u306aEmployer Match\u306e\u3088\u3046\u306b\u3001\u500b\u4eba\u4ee5\u5916\u306e\u4eba\u304c\u4ee3\u308f\u308a\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u306f\u8a31\u3055\u308c\u3066\u3044\u307e\u305b\u3093\u3002Employer Match\u306f\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u6e96\u5099\u306b\u3068\u3063\u3066\u3001\u304b\u306a\u308a\u91cd\u8981\u306a\u96c7\u7528\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3067\u3059\u3002\u305d\u306e\u610f\u5473\u3067\u3001\u52b4\u50cd\u8005\u5074\u304b\u3089\u3059\u308b\u3068\u3001State-run\nIRA\u306e\u3088\u3046\u306a\u30d7\u30ed\u30b0\u30e9\u30e0\u3088\u308a\u3001SECURE ACT\u3067\u3088\u308a\u63d0\u4f9b\u3057\u3084\u3059\u304f\u306a\u3063\u305f401(k)\u3092\u3057\u3063\u304b\u308a\u3068\u63d0\u4f9b\u3057\u3066\u3082\u3089\u3048\u308b\u307b\u3046\u304c\u559c\u3076\u3079\u304d\u3053\u3068\u3067\u3059\u3002\u3042\u308b\u3044\u306f\u3001SEP IRA\u3084Simple\nIRA\u306a\u3069\u6bd4\u8f03\u7684\u30bb\u30c3\u30c8\u30a2\u30c3\u30d7\u3084\u904b\u55b6\u306e\u308f\u305a\u3089\u308f\u3057\u3055\u304c\u5c11\u306a\u3044\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n

      \u3053\u308c\u3089\u306e\u201c\u308c\u3063\u304d\u3068\u3057\u305f\u201d\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3067\u3042\u308c\u3070\u3001Employer\u3000Contribution\u3082\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u4e0a\u304c\u308a\u3001\u7a4d\u307f\u7acb\u3066\u306f\u6240\u5f97\u7a0e\u63a7\u9664\u306b\u306a\u308b\u3068\u540c\u6642\u306b\u500b\u4eba\u304c\u7a4d\u307f\u7acb\u3066\u3089\u308c\u308b\u9650\u5ea6\u984d\u3082\u3050\u3093\u3068\u4e0a\u304c\u308a\u307e\u3059\u3002State-run IRA\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u304b\u3089\u3068\u3044\u3063\u3066\u306c\u304b\u559c\u3073\u3057\u306a\u3044\u3067\u3001\u3084\u306f\u308a\u52b4\u50cd\u8005\u3068\u3057\u3066\u201c\u308c\u3063\u304d\u3068\u3057\u305f\u201d\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u63d0\u4f9b\u3092\u30ea\u30af\u30a8\u30b9\u30c8\u3057\u3066\u3044\u304f\u3068\u3044\u3046\u59ff\u52e2\u304c\u826f\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

      <\/div>\n\n\n\n
      • \u4e00\u5b9a\u6761\u4ef6\u3092\u6e80\u305f\u3059Employer\u306b\u306f\u30d7\u30e9\u30f3\u63d0\u4f9b\u304c\u7fa9\u52d9<\/strong><\/li><\/ul>\n\n\n\n

        \u3053\u308c\u306f\u3069\u3061\u3089\u304b\u3068\u3044\u3046\u3068\u4e2d\u5c0f\u4f01\u696d\u5074\uff1d\u96c7\u7528\u4e3b\u5074\u306e\u8a71\u3067\u3059\u304c\u3001401(k)\u3001SEP\u3000IRA\u3001Simple IRA\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u96c7\u7528\u4e3b\u306f\u3001State-run IRA\u306e\u5c0e\u5165\u671f\u9650\u304c\u8ab2\u3055\u308c\u3066\u3044\u307e\u3059\u3002CalSavers\u306e\u5834\u5408\u306f\u3001\u5f93\u696d\u54e15\u4eba\u4ee5\u4e0a\u306e\u96c7\u7528\u4e3b\u304c\u5bfe\u8c61\u306b\u306a\u308a\u30012022\u5e746\u6708\u672b\u307e\u3067\u306b\u5c0e\u5165\u304c\u5fc5\u8981\u3067\u3059\u3002\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u3092\u304a\u6301\u3061\u306e\u65b9\u306f\u3001\u671f\u9650\u306b\u304a\u6c17\u3092\u4ed8\u3051\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n

        <\/div>\n\n\n\n
        • \u30d7\u30e9\u30f3\u904b\u55b6\u3092\u89b3\u5bdf\u3059\u308bBoard\u304c\u5dde\u306b\u8a2d\u7f6e\u3055\u308c\u308b<\/strong><\/li>
        • \u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u30aa\u30d7\u30b7\u30e7\u30f3\u306f\u30b7\u30f3\u30d7\u30eb<\/strong><\/li>
        • \u624b\u6570\u6599\u306f\u9ad8\u3059\u304e\u306a\u3044<\/strong><\/li><\/ul>\n\n\n\n

          CalSavers\u306e\u5834\u5408\u306f\u3001\u682a\u5f0f\u30d5\u30a1\u30f3\u30c9\u3001\u50b5\u5238\u30d5\u30a1\u30f3\u30c9\u3001\u30de\u30cd\u30fc\u30de\u30fc\u30b1\u30c3\u30c8\u30d5\u30a1\u30f3\u30c9\u3001\u3053\u308c\u3089\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u30d5\u30a1\u30f3\u30c9\u306b\u304b\u304b\u308b\u624b\u6570\u6599\uff08Expense\nRatio)\u306f0.025%-0.15%\/\u5e74\u3067\u3059\u3002\u305f\u3060\u591a\u304f\u306e\u30d5\u30a1\u30f3\u30c9\u3067\u3001\u671f\u9593\u9650\u5b9a\u306e\u624b\u6570\u6599\u6e1b\u984d\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u5c06\u6765\u7684\u306b\u306f\u624b\u6570\u6599\u304c\u4e0a\u304c\u308b\u53ef\u80fd\u6027\u304c\u793a\u5506\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

          \u4e0a\u306e\u624b\u6570\u6599\u4ee5\u5916\u306b\u3001\u5dde\u306e\u7ba1\u7406\u8cbb (0.05%)\u3068\u91d1\u878d\u6a5f\u95a2\u7ba1\u7406\u8cbb\n(0.75%)\u304c\u8ffd\u52a0\u3067\u5e74\u3005\u304b\u304b\u308a\u3001\u3053\u308c\u3089\u7ba1\u7406\u8cbb\u306e\u5408\u8a08\u306f0.80%\u3068\u306a\u308a\u3001\u3053\u308c\u306f\u4f4e\u624b\u6570\u6599\u6642\u4ee3\u306e\u4eca\u3001\u304b\u306a\u308a\u54c0\u3057\u3044\u6570\u5b57\u3067\u3059\u3002\u4eca\u5f8c\u30d7\u30ed\u30b0\u30e9\u30e0\u5229\u7528\u8005\u304c\u5897\u3048\u308c\u3070\u3001\u7ba1\u7406\u8cbb\u3082\u4e0b\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u30fb\u30fb\u3068\u66f8\u3044\u3066\u3042\u308a\u307e\u3059\u304c\u3001\u3069\u3053\u307e\u3067\u4e0b\u304c\u308b\u304b\u306f\u308f\u304b\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n

          \u305f\u3068\u3048\u3070\u3001CalSavers\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9State Street Target Retirement 2045 Fund\u3092\u8cfc\u5165\u3057\u305f\u3068\u3059\u308b\u3068\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\uff08Expense Ratio\uff09\u306f022\uff05\uff082020\u5e744\u6708\u672b\u307e\u3067\u306f0.09\uff05\u306b\u5024\u4e0b\u3052\u3055\u308c\u3066\u3044\u308b\uff09\u3001\u3053\u308c\u306b\u4e0a\u306e\u7ba1\u7406\u8cbb\u304c\u5165\u3063\u3066\u3001\u5e74\u9593\u30c8\u30fc\u30bf\u30eb\u30671.02\uff05\uff08\u5024\u4e0b\u3052\u671f\u9593\u306f0.89\uff05\uff09\u3068\u306a\u308a\u307e\u3059\u3002\u9ad8\u3059\u304e\u306a\u3044\u304b\u3082\u3057\u308c\u306a\u3044\u3051\u3069\u3001\u304b\u306a\u308a\u9ad8\u3044\u3067\u3059\u3002<\/p>\n\n\n\n

          \u4e00\u65b9\u3067\u3001\u52b4\u50cd\u8005\u304cCalSavers\u3092Opt out\u3057\u3066\u3001\u81ea\u5206\u3067Vanguard\u306bIRA\u53e3\u5ea7\u3092\u958b\u304d\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9Vanguard Target Retirement 2035 Fund\u3092\u8cfc\u5165\u3057\u305f\u3089\u3001\u30d5\u30a1\u30f3\u30c9\u624b\u6570\u6599\uff08Expense Ratio\uff09\u306f0.14%\u3067\u3001\u305d\u306e\u4ed6\u306e\u624b\u6570\u6599\u306f\u4e00\u5207\u306a\u3057\u3002\u30c8\u30fc\u30bf\u30eb\u30670.14\uff05\u3067\u3059\u3002\u3053\u3061\u3089\u306e\u9078\u629e\u306e\u65b9\u304c\u591a\u304f\u306e\u65b9\u306b\u3068\u3063\u3066\u7406\u306b\u9069\u3046\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

          <\/div>\n\n\n\n

          \u4eca\u56de\u306fCalSavers\u3092\u4e2d\u5fc3\u306b\u898b\u3066\u307f\u307e\u3057\u305f\u304c\u3001\u30a2\u30e1\u30ea\u30ab50\u5dde\u3069\u306e\u5dde\u3067\u3082Vanguard\u3084Schwab\u306a\u3069\u3067\u500b\u4ebaIRA\u3092\u958b\u304d\u4f4e\u624b\u6570\u6599\u30d5\u30a1\u30f3\u30c9\u306b\u6708\u3005\u81ea\u52d5\u7a4d\u7acb\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3053\u3068\u3092\u8003\u616e\u3059\u308b\u3068\u3001State-run IRA\u306b\u98db\u3073\u3064\u304f\u7406\u7531\u306f\u3042\u307e\u308a\u306a\u3044\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

          \u3042\u308b\u3068\u3059\u308c\u3070\u3001\u307e\u3060\u50cd\u304d\u59cb\u3081\u306e\u82e5\u3044\u5c64\u304c\u3001\u81ea\u5206\u3067\u306f\u4f55\u3082\u3057\u306a\u304f\u3068\u3082\u81ea\u52d5\u7684\u306bEnroll\u3055\u308c\u308b\u30d7\u30e9\u30f3\u3067\u82e5\u3044\u3046\u3061\u304b\u3089\u3001\u5c11\u3057\u305a\u3064\u3067\u306f\u3042\u308b\u304c\u7a4d\u307f\u7acb\u3066\u304c\u59cb\u3081\u3089\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3057\u3087\u3046\u304b\u3002\u307e\u3060\u308f\u3056\u308f\u3056\u81ea\u5206\u3067IRA\u3092\u958b\u304f\u307b\u3069\u610f\u8b58\u306f\u9ad8\u304f\u306a\u3044\u82e5\u8005\u304c\u3001\u4f55\u3082\u3057\u306a\u304f\u3068\u3082\u81ea\u52d5\u7a4d\u7acb\u306e\u9053\u306b\u8f09\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u306e\u306f\u3072\u3068\u3064\u306e\u5229\u70b9\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

          \u6bd4\u8f03\u7684\u5927\u304d\u306a\u4f1a\u793e\u3084\u7d44\u7e54\u3067\u50cd\u3044\u3066\u3044\u308b\u4eba\u306f\u3001401(k)\u3084403(b)\u306a\u3069\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u306e\u63d0\u4f9b\u3092\u53d7\u3051\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u7acb\u304c\u3067\u304d\u308b\u3068\u540c\u6642\u306b\u3001Employer match\u306e\u6069\u6075\u3082\u3042\u308a\u3001\u5e74\u9593\u3067\u304b\u306a\u308a\u307e\u3068\u307e\u3063\u305f\u984d\u304c\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u6e96\u5099\u306b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u52b4\u50cd\u4eba\u53e3\u306e\u534a\u5206\u304f\u3089\u3044\u306f\u3001\u8077\u5834\u3067\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u63d0\u4f9b\u304c\u306a\u304f\u3001\u8cc7\u91d1\u6e96\u5099\u304c\u5927\u304d\u304f\u9045\u308c\u3066\u3044\u308b\u3068\u3044\u3046\u554f\u984c\u304c\u3042\u308a\u307e\u3059\u3002\u524d\u56de\u3054\u7d39\u4ecb\u3057\u305f\u3001SECURE ACT\u3082\u3053\u306e\u554f\u984c\u3092\u8efd\u6e1b\u3059\u3079\u304f\u3001\u30b9\u30e2\u30fc\u30eb\u30d3\u30b8\u30cd\u30b9\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d7\u30e9\u30f3\u63d0\u4f9b\u3092\u4fc3\u9032\u3059\u308b\u3053\u3068\u3092\u72d9\u3063\u305f\u3082\u306e\u3067\u3059\u304c\u3001\u3053\u306e\u9023\u90a6\u653f\u5e9c\u3067\u306e\u52d5\u304d\u3068\u306f\u5225\u306b\u3001\u5404\u5dde\u653f\u5e9c\u304c\u3053\u306e\u554f\u984c\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u3002S …<\/p>\n","protected":false},"author":1,"featured_media":5220,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[36,38],"tags":[],"class_list":["post-5217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-retirement"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2020\/01\/pexels-photo-1161547.jpeg?fit=500%2C333&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1m9","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5217","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=5217"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5217\/revisions"}],"predecessor-version":[{"id":5227,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/5217\/revisions\/5227"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/5220"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=5217"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=5217"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=5217"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}